Comments on: Savings Bond Alert #025 http://www.savings-bond-advisor.com/savings-bond-alert-025/ Fri, 12 Mar 2010 22:41:04 +0000 http://wordpress.org/?v=2.0.4 by: Tom Adams http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-1000 Thu, 19 Oct 2006 19:43:43 +0000 http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-1000 Mike McCune - great question. When I asked the Treasury press office for redemption data, they gave me a link to a new web page where anyone can get this data. I haven't been able to fully analyze the data yet, but Series I redemptions did exceed new investments for the first time in June and the same thing happened in July, August, and September. I'll do a post on this after I'm able to digest all the data, which is <a href="http://www.publicdebt.treas.gov/bpd/bpdnmstats.htm" rel="nofollow" rel="nofollow" rel="nofollow" rel="nofollow" rel="nofollow">here</a>. Samuel - You can't find my "guess" because I've gotten burned too many times guessing actual numbers. This time I'm just giving you the data that rational people would use to make the decision about where to set the rate. Mike McCune - great question. When I asked the Treasury press office for redemption data, they gave me a link to a new web page where anyone can get this data. I haven't been able to fully analyze the data yet, but Series I redemptions did exceed new investments for the first time in June and the same thing happened in July, August, and September. I'll do a post on this after I'm able to digest all the data, which is here.

Samuel - You can't find my "guess" because I've gotten burned too many times guessing actual numbers. This time I'm just giving you the data that rational people would use to make the decision about where to set the rate.

]]> by: Mike Occhialini http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-996 Thu, 19 Oct 2006 13:04:06 +0000 http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-996 The fixed rate is always a source of speculation in April and October (the months before it changes) so it's always a "guess." However, I think Tom Adams has carefully and accurately outlined the factors any reader should consider when making their own guess - BRAVO to Tom for letting us make our own decision! For what's it's worth, I don't think the fixed rate will go lower and will wait for November to make any purchases. Then again, I might be wrong - it's happened more than I care to admit! The fixed rate is always a source of speculation in April and October (the months before it changes) so it's always a "guess." However, I think Tom Adams has carefully and accurately outlined the factors any reader should consider when making their own guess - BRAVO to Tom for letting us make our own decision!

For what's it's worth, I don't think the fixed rate will go lower and will wait for November to make any purchases. Then again, I might be wrong - it's happened more than I care to admit!

]]> by: Samuel J http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-993 Thu, 19 Oct 2006 03:45:43 +0000 http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-993 I don't understand the "guess". I have some money ready to buy I-Bonds, and I need to know if I act now or wait until November. Maybe Tom's comments were clear to you, but to me it seems like he is speaking in code. What's the consensus? Buy now or buy in a few weeks? I don't understand the "guess". I have some money ready to buy I-Bonds, and I need to know if I act now or wait until November. Maybe Tom's comments were clear to you, but to me it seems like he is speaking in code.

What's the consensus? Buy now or buy in a few weeks?

]]> by: Mike McCune http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-991 Thu, 19 Oct 2006 01:01:59 +0000 http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-991 Tom, you mention new purchases of savings bonds hit 20 year lows this past summer, but what about redemptions? Are people cashing out too? Thanks. -Mike M Tom, you mention new purchases of savings bonds hit 20 year lows this past summer, but what about redemptions? Are people cashing out too? Thanks.

-Mike M

]]> by: Mike Occhialini http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-990 Wed, 18 Oct 2006 23:57:32 +0000 http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-990 RE: fixed rate "guess" comment - yes! I was thinking the same thing - Tom needs to be in politics - he would do us proud! Of course I'm hoping the fixed rate will bump up a bit but we'll have to wait and see. Thanks Tom Adams for a fine analysis and web site. RE: fixed rate "guess" comment - yes! I was thinking the same thing - Tom needs to be in politics - he would do us proud! Of course I'm hoping the fixed rate will bump up a bit but we'll have to wait and see. Thanks Tom Adams for a fine analysis and web site.

]]> by: Ethan Finneran http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-989 Wed, 18 Oct 2006 21:50:11 +0000 http://www.savings-bond-advisor.com/savings-bond-alert-025/#comment-989 Your "guess" about what the new fixed rate for I-Bonds will be is the most "educated" and articulate one I have seen. Thanks. Your "guess" about what the new fixed rate for I-Bonds will be is the most "educated" and articulate one I have seen. Thanks.

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